Do provident fund loans need to be audited and paid social security?

Using provident fund loans to buy a house in Beijing does not require auditing the social security payment. Foreign families will review the social insurance or personal income tax that has been paid continuously in this city for more than five years (inclusive) when doing qualification review.

To use provident fund loans to buy a house in Beijing, the following four conditions must be met at the same time:

1) The borrower's provident fund is deposited in Beijing;

2) The account has been opened for more than 65,438+0 years and has been paid in full for 65,438+02 months (recently);

3) Currently in deposit status;

4) The applicant and his spouse have no outstanding provident fund and discount loan.

Special circumstances: ① State-managed loans are secondary provident fund loans, which can be applied after the first provident fund is settled; The loan managed by this country belongs to the third provident fund loan, and the second provident fund loan can only be applied after five years of settlement. (Loans are based on families, and provident fund loans are limited to provident fund loans applied for in Beijing, including municipal, state-run and central branches) ② Borrowers with Beijing hukou who deposit provident fund in the first house in other places can apply for loans in Beijing with the proof of deposit issued by the provident fund management center of the place of employment. ③ State-managed provident fund: In the past two years, if the borrower and spouse have loans overdue, the maximum loan amount will be reduced by 20% for 3-5 consecutive times, and the loan will be directly refused for 6 consecutive times.

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